What TMECU does to protect you

The TMECU works hard to keep monitoring systems up to date to detect fraudulent transactions. Our employees are trained to spot fraud and be knowledgeable about emerging scams. We work with industry partners, other financial institutions and law enforcement to catch and discourage financial criminals.


Internet encryption protects your information while it is in transit between your computer and our systems and ensures that data cannot be read or altered because it is scrambled. Our online banking system uses 128-bit SSL encrypting, which encrypts both request and response transactions on a secure connection Remember to verify that the connection is secure by looking at the prefix of our website address in your browser reads ‘https’ (not simply ‘http’). Please see Browser Requirements to download an appropriate encryption support from your browsers supplier.


Your accounts can only be accessed by providing the correct login credentials and Personal Access Code (PAC) which only you know. Our employees never know these details and will never ask you to provide them with this information. For security reasons, we track the number of login attempts used to access your online banking. After a number of incorrect attempts to provide the correct PAC or answers to security questions, your online access will be immediately disabled. To regain access, please call your local TMECU branch. TMECU will ask a series of self-selected questions to verify the account and be able to unlock your access.

Downtown Branch: 416-392-6868

Etobicoke Branch: 416-622-9300


When a member logs into online banking from a non-registered computer, an additional layer of security has been put in place by asking three challenge questions as well as their login in information. These challenge questions are self-selected and prevent fraudulent activities like phishing for your banking information.


While fraudsters and threats are continually searching for ways to find and attack your banking systems, the TMECU is committed to regularly updating technology used and adapting to rising threats in an effective and efficient manner. Here are some pre-emptive steps TMECU uses to protect you.

Chip & Pin

TMECU member payment cards, both debit and credit cards, contain an embedded chip which stores all the process data, this chip makes copying your card almost impossible, especially in combination with your 4-digit pin. The transition from magnetic strip to a chip is still taking place with some retailers or smaller shops, but with chip technology being the safer option, many companies believe it's worth investing into. You should still protect your cards and PINs from others.

Online Alerts

Alerts sent to your phone, email or both are free and enhance your banking experience. The alerts have the intent to inform you of any account changes made through online banking you may not be aware of.

  • Balance Alerts: Insufficient funds or balance is below minimum
  • Transactional Alerts: If limits have been exceeded on withdrawals or if a bill payment may fail
  • Security Alerts: Account activity like if your Personal Access Code (PAC) has changed, or when there has been a failed attempt or a new payee has been added

Browser Certifications

Web Browsers are the gateway to the internet, similar to having an up-to-date operating system, upgraded browsers provide more features, stability, and security. Always make sure your browser is updated to the latest version. Most browsers have security features that can identify and block harmful and fake websites, pop-ups, or warn you if a website is unsafe. Other browsers offer private browsing features which help to conceal your browsing history from others. Finally, when logging on to our website www.wherewebank.com verify that the connection is secure by looking at the prefix of our website address in your browser reads ‘https’ (not simply ‘http’).

The TMECU uses a 128-bit Secure Sockets Layer (SSL) Encryption, which will need to be supported by your web browser to access online banking. If your browser doesn’t, please download the appropriate encryption support from your browsers supplier.

Most modern browsers use Extended Validation or EV which provides color-coded alerts about a websites validity and business name.


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